城乡统筹背景下进城农民工医疗保险制度研究

发布时间：2019-02-24 09:08

【摘要】：统筹城乡发展是新时期党和国家提出的一个新的发展战略，这一发展战略对当前社会的医疗保障体制提出了严峻的挑战。进城农民工作为我国经济社会发展的中坚力量，已经成为不可忽视的就业群体，需要社会化的医疗保障。在我国未富先老的情况下，老龄化趋势的不断加强给社会保障支出增加了巨大的压力。同时，统筹城乡发展要求社会保障扩大覆盖面，建立城乡统一的社会保障体系。本文在城乡统筹背景下，提出并设计了进城农民工医疗保险制度，并进行了定量分析。首先研究了城乡统筹、进城农民工以及农民工医疗保险的相关理论，分析了进城农民工医疗保险制度的模式，得出现存的进城农民工医疗保险模式取向不明确的结论。对我国进城农民工医疗保险制度以及城乡统筹进程中进城农民工医疗保险模式的国际经验专门进行了分析，指出了各自的优缺点，以及对我国的借鉴作用。然后，通过对上海市的实证调研，运用统计软件对调研数据进行分析，得到进城农民工的主要特征。在此基础上，提出并设计了我国当前城乡统筹阶段进城农民工的医疗保险制度。在本文的制度设计中，根据进城农民工的市民化程度将进城农民工分为三大类，然后将这三类人群分别纳入三类保险中，最终实现进城农民工医疗保障的城乡统筹发展。本文重视对于数据的定量分析。在分层次、分类表、有针对性构建模型的基础上，对模型进行了模拟仿真运算，运用精算模型、系统动力学模型以及EXCEL表递推法定量分析了城乡居民基本医疗保险基金的收支问题。本文的创新之处在于：第一，创新性地基于城乡统筹发展的大趋势下解决进城农民工医疗保险问题；第二，顺应社会发展的要求，，最大限度地做到了进城农民工的全覆盖；第三，解决了上海市现存的社会保险制度的碎片化问题；最后，模式的设计和对模式的检验具有很强的针对性，即不同的人群设计不同的模式，专门针对基金的收支采用了定量检验的方法，体现了模式设计和方法检验的科学性。
[Abstract]:Urban and rural development as a whole is a new development strategy put forward by the Party and the country in the new period. This development strategy poses a severe challenge to the current social medical security system. As the backbone of our country's economic and social development, migrant workers in cities have become an employment group that can not be ignored and need socialized medical security. In China, the trend of aging has increased the pressure on social security expenditure. At the same time, the overall development of urban and rural areas requires the expansion of social security coverage, the establishment of a unified urban and rural social security system. Under the background of urban and rural planning, this paper puts forward and designs the medical insurance system for migrant workers in cities, and carries out quantitative analysis. First of all, it studies the theories of urban and rural planning, migrant workers and migrant workers medical insurance, analyzes the mode of medical insurance system for migrant workers in cities, and draws the conclusion that the existing medical insurance mode of migrant workers in cities is not clear. This paper analyzes the medical insurance system of migrant workers in cities and the international experience of the medical insurance model of migrant workers in the process of urban and rural planning, and points out their advantages and disadvantages, as well as the reference to our country. Then, through the empirical investigation in Shanghai, the main characteristics of migrant workers in cities are obtained by using statistical software to analyze the survey data. On this basis, the medical insurance system for migrant workers in urban and rural areas is put forward and designed. In the system design of this paper, according to the degree of urbanization of migrant workers in cities, migrant workers are divided into three categories, and then these three groups of people are respectively included in the three types of insurance, and finally realize the urban and rural development of medical security for migrant workers in cities as a whole. This paper focuses on quantitative analysis of data. On the basis of hierarchical, classified table and targeted model, the model was simulated and simulated, and the actuarial model was used. The system dynamics model and EXCEL table recursive method are used to quantitatively analyze the income and expenditure of the basic medical insurance fund of urban and rural residents. The innovation of this paper lies in: first, based on the overall development of urban and rural areas to solve the problem of medical insurance for migrant workers; second, to comply with the requirements of social development, to maximize the full coverage of migrant workers in cities; Thirdly, the fragmentation of the existing social insurance system in Shanghai has been solved. Finally, the design of the model and the test of the model have very strong pertinence, that is, different people design different models, especially for the fund income and expenditure using the quantitative test method, which reflects the scientific nature of the mode design and method test.
【学位授予单位】：上海工程技术大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：C913.7;F842.6

【参考文献】